• Coverage depends on age and policy maximum selected.
• Physician’s Visits/ Urgent Care: $60 to $150 per visit, one visit per day and 30 visits per Policy Period.
• Diagnostic X-rays and Lab Services: $500 to $1,100 per Incident
• Hospital Room and Board Expenses: $1,500 to $3,250 per day to a maximum of 30 days.
• Prescription drugs and medications: $250 to $500 per Incident
• Ambulance Service Benefits: $500 to $750 per injury/illness, maximum of 60 days per prescription.

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• Pre-Existing Conditions, as defined.
• Sickness resulting from pregnancy.
• miscarriage resulting from Accident.
• any infection of the urinary tract (including, without limitation, infection of the kidney, ureter, bladder, prostate or urethra) and any complication, medical condition or other Illness directly or indirectly arising therefrom, that occurs within ninety (90) days of the Effective Date of this Insurance and that requires Treatment of the Covered Person in a Hospital as an inpatient.

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An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the Termination Date. The Covered Person is subject to the following rules at extension:  In order to extend, the Policy Period must be initially purchased for a minimum of 5 days.  If available, an extension period can be purchased; 1.at the premium rate in force at the time of the extension; 2. for a minimum of 5 days; 3. for up to a maximum of 364 days, provided the Covered Person’s Policy Period does not exceed 364 days in total. There are no grace periods for extension.  Once the Policy has lapsed, reapplication is required. Please note, upon application for a new Policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

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Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply:

1. If any claims have been filed with Us, the premium is fully earned and is non-refundable;
2. If no claims have been filed with the Company, then
   (i) a cancellation fee of US $25 will be charged; and
   (ii) only unused days premiums will be considered as refundable; and
3. If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety.

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A claimant must give Us or Our authorized representative written (or authorized electronic or telephonic) notice of claim within 90 days after any loss covered by the Policy occurs. If the claimant or Covered Person is incapacitated within the 90 days after the loss, must be given as soon as reasonably possible. This notice should identify the Covered Person and the Policy Number. All claims must be submitted within 90 days from date of incident, or they will be denied. Circumstances may exist in which this is not always possible. Any submissions after 90 days will be considered based on those circumstances.

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